 You owed a debt. You didn't want to pay it back. You took your sweet old time paying it back because you didn't think that it was worth it to pay it back. And you were just happy to let the debt ride and let it grow. It's just a really unwise fiscal decision. Unless, of course, you're hoping that somebody comes along and bails you out like any sugar daddy does. Now, I find that to be kind of emasculating personally. But everybody's different. Maybe you want daddy to pay your bills.